LowCards.com is an independent, for-profit website. LowCards.com participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site.

LowCards.com does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.

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Is it safe to use a credit card comparison website like LowCards.com?

Absolutely! LowCards.com is 100% safe and secure, utilizes SSL and encryption, and has relationships with many of the major credit card issuers across the United States. When you click "Apply" on an offer on LowCards, you are securely directed to that credit card issuer's secure website where you can apply for the card and provide your personal information. This process is one of the most secure ways to apply for a credit card.

Why should I use a credit card comparison website?

Utilizing a 3rd party credit card comparison website allows you to compare offers from many different credit card issuers all in one place, comparing things like fees, rewards, benefits, and terms. When you apply for a card or compare directly with the issuer, you have to do independent research on multiple websites to find all this same information. LowCards makes it easy for you, helping you see all the latest information on credit cards in one easy to use spot. Additionally, LowCards has relationships and presents cards from many mid to small local and regional banks that many consumers may not otherwise find, expanding their pool of potential cards to apply for.

How important is it for me to find the right credit card for me?

We believe it is critical! Not only do you need to find the right type of card for your needs, but most importantly, you need to find a card that fits your credit profile to maximize your chances of approval. LowCards breaks down all our cards into two types of categories -- card type and credit profile. Card types include cards designed for a specific purpose, such as low interest cards, no annual fee cards, balance transfer cards, travel cards, and more. These cards fulfill a specific need, and are always sorted by our editor's opinion with the most attractive offers on top. Cards by credit profile are designed to help you find the best card based on your credit profile, whether that be excellent, good, fair, poor, or limited. All cards on LowCards feature a suggested credit profile rating, which helps you find not only the right type of card for you but also the right card for your specific credit profile.

What’s the best way to save money with a credit card?

We highly recommend avoiding high fees to save money with your credit card. While rewards, points, and cash back can be attractive, the reality is many credit card users spend far more in annual fees, interest, and other fees than they ever earn in rewards, points, or cash back. Make sure you pick a credit card designed for how you intend to use it. For example, if you plan on carrying a balance long term, make sure you choose a low interest credit card to save on interest fees. If you plan on carrying a balance for a short time, look for a card with a low or 0% interest introductory offer. The other large fee to be mindful of is the annual fee. Most consumers may want to look for a credit card that has no annual fee to make sure you save on fees year after year with your new credit card!

Can I have more than one credit card?

Absolutely, in fact, we recommend it. While having too many cards is a bad thing, most consumers have 3-5 credit cards which is perfectly fine. Many times, consumers will select cards with different types of rewards, fees, and features, and use those cards accordingly. For example, you may want to have one card to carry a balance with low interest, another card with bonus dining rewards for eating out, another card for airline travel or hotels, and a last card for general expenses and use. Each credit card has a specific focus and purpose, and it is often difficult to find one card to maximize your benefits and lower your fees, so having multiple cards may help you save money and maximize your benefits!

What if I have other credit card questions or want to learn more before applying?

LowCards has one of the largest blogs in the credit card industry which covers a variety of credit card frequently asked questions and topics. Simply click on the credit card news tab at the top of the page or use the search box to find a topic that fits your questions or needs. Additionally, each card listed on LowCards has a “more details” page where you can find additional fees and information about that card. LowCards is designed to be a one-stop-shop for all your credit card information and needs.

LowCards.com is an independent, for-profit website. LowCards.com participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site.

LowCards.com does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.